Ideas

The Future of E-Commerce and Retail Will Be Written in China
Investment

The Future of E-Commerce and Retail Will Be Written in China

We believe China is ground zero for the future of retail and the West will learn from and adapt the experiments that are already moving to scale in the East. Consider Alibaba, the Chinese Internet giant whose wide-ranging businesses span e-commerce, offline retail, fintech, online video, maps and browsers, and artificial intelligence. By end of […]

Read More
Screenshot of account home page after logging in
Investment

Understand Your Finances by Syncing Your Accounts

Securely syncing your outside investment accounts—such as 401(k)s, IRAs, and taxable accounts held at other institutions—helps us give you better investment advice. In addition to investment accounts, you can also securely sync debt accounts, such as mortgages and loans. This helps you see your overall financial picture, putting you more in control of your wealth. […]

Read More
Ride hailing in emerging markets is more than transport
Investment

Ride hailing in emerging markets is more than transport

When Apple introduced the iPhone in 2007, only the most prescient of market observers would have prophesied that the smartphone would lead to a coming upheaval of urban transport. Just over a decade later, ride-hailing platforms rank as the most significant of the many revolutions the smartphone has wrought. In 2017, some 16 billion rides […]

Read More
™
Investment

Using Investment Goals at Betterment

TABLE OF CONTENTS What is goal-based investing? Goals and Investment Accounts at Betterment A. Retirement Savings B. Retirement Income C. Safety Net D. Major Purchase E. General Investing How to Set Effective Goals Using Betterment Mapping Out Your Financial Picture Goal-based investing. The idea is prized among financial advisors—and our team at Betterment—but to the […]

Read More
US infrastructure spending may lead to compelling investment opportunities
Investment

US infrastructure spending may lead to compelling investment opportunities

There can be no doubt that there is a great need for increased US infrastructure spending: the American Society of Civil Engineers rated US infrastructure as a D+,1 a Federal Highway Administration Survey estimated roughly 20% of roads are in poor condition,2 and over half of schools need repair, renovation, or modernization according to the […]

Read More
™
Investment

Cash Analysis Methodology

TABLE OF CONTENTS How We Analyze Your Checking Account Predicting Future Expenses Based on Past Expenses How We Define Extra Cash in Checking Accounts Evolving How We Help You Manage Cash Most American adults face some sort of cash management problem. Maybe you face a tight budget and need to control expenses; or maybe you […]

Read More
SteelPath November MLP update and news
Investment

SteelPath November MLP update and news

The master limited partnership (MLP) sector saw a series of events take place in October, including the start of third- quarter earnings season and yet another MLP simplification eliminating incentive distribution rights. And though the weight of energy stocks in the S&P 500 Index recently hit an all-time low, we’ve seen this story before, and […]

Read More
5 Financial Steps To Take After Getting A Raise
Investment

5 Financial Steps To Take After Getting A Raise

If you’ve recently received a raise, congratulations! You worked many long hours to deserve this, and now your hard work has paid off. Whether this pay increase was expected or whether it was a complete surprise, you may have many thoughts running through your mind, including calling your spouse or your Mom, deciding what restaurant […]

Read More
Dispelling myths about Emerging Market debt growth
Investment

Dispelling myths about Emerging Market debt growth

Executive Summary There is a widely held perception that emerging market (EM) debt growth was spread broadly across markets. The truth is that the growth in the past decade has been focused almost entirely in China. EM economies have low levels of fragility today, thanks to healthy current accounts, low external borrowings, and reasonable fiscal […]

Read More
US Credit Spreads vs the Stock Market
Investment

It’s not the economy, it’s the credit markets

If you are looking to figure out the direction of the capital markets, don’t focus on the economy, focus on the credit markets, in my opinion. I know, I know. It is overstating the case, but only by a bit. The larger rhetorical point still stands. The fact of the matter is that slow growth […]

Read More